Search found 15 matches

by stannius
Mon Feb 11, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: 403b 457b (government) and h&r block
Replies: 15
Views: 2279

Re: 403b 457b (government) and h&r block

H&R Block software seems to put the higher contribution limit on the worksheet "NON-W2 WAGES", in the "MINI-WORKSHEET FOR EXCESS SALARY DEFERRALS". I can't seem to find this worksheet mentioned anywhere other than in reference (help forums, lists of supported forms, etc.) to H&R Block's software.
by stannius
Tue Jan 29, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: 403b 457b (government) and h&r block
Replies: 15
Views: 2279

Re: 403b 457b (government) and h&r block

This happened to me today as HR Block coded the 457 deferrals as excess and added it to taxable wages (not on W-2) Thanks to this thread, I went in and manually made limit as $37,000. I just pray that I am doing this correctly. Anyone recently with this issue? PS: I did get the latest update to HRB...
by stannius
Wed Jan 24, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: 403b 457b (government) and h&r block
Replies: 15
Views: 2279

Re: 403b 457b (government) and h&r block

What's not obvious is that if the question is only asked at the end of the income section. *Not* after the wages sub-section. If you don't go through all the steps (i.e. you're some kind of form-loving, skipping-around-the-steps kinda person) you won't be asked the question. And so it defaults to "n...
by stannius
Fri Sep 22, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 191
Views: 30468

Re: Vanguard 403b Changes

The blackout period begins Nov 3rd and continues through *the week* of Nov 6th. I.e. through Nov 13th. I don't know why they wrote it so confusingly.
by stannius
Thu Aug 03, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 40
Views: 10975

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

Well, I just got an email saying the prospectus has been updated and I am not pleased: the expense ratio increased from 0.11% to now 0.15% (0.17% with a 0.02% fee waiver now; used to be 0.13% with a 0.02% fee waiver). While a 0.04% ER increased isn't the end of the world, I am rather annoyed by it ...
by stannius
Mon Jul 17, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 191
Views: 30468

Re: Vanguard 403b Changes

My wife has a Vanguard 403b with her employer and we have received no such letter from Vanguard. I understand from the Bogleheads wiki that k-12 employee 403b's can be slightly different than other 403b's, and my wife is in healthcare. Maybe that's why? Letters are still arriving, my wife's came ju...
by stannius
Fri Jun 24, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 58591

Re: [Fidelity drops AmEx, Bank of America credit cards]

I never had the Amex, only Fia MasterCard. Thus I was issued a 1.5% card from Elan. I called the number on the back of the new card and once I had navigated past the menu to a customer service rep, it took only a minute to upgrade the account. The card number stayed the same.
by stannius
Tue Jul 22, 2014 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 62
Views: 38957

Re: Anyone here use Personal Capital?

THANK YOU FOR POSTING THIS!!! I checked the terms and conditions first at Fidelity, and using Personal Capital would void the fraud protection. I didnt bother to check schwa or Vanguard. I just changed all of my passwords and deleted my Mint account. Very scary. I have had this concern as well. Bot...
by stannius
Mon Oct 28, 2013 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: House: Good Opportunity? Or to much?
Replies: 19
Views: 1469

Re: House: Good Opportunity? Or to much?

I don't think he said their Realtor found the house for them. Bruce From the OP: The owners emailed my realtor basically offering these terms. How much do you trust your realtor? Why did the seller email your realtor and not you directly? How do you know you're the only one who was offered this dea...
by stannius
Mon Oct 28, 2013 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: What counts as "income" for PPACA subsidies?
Replies: 143
Views: 46262

Re: What counts as "income" for PPACA subsidies?

Actually reading this, I would get the impression that you are supposed to add gambling winnings to your income but you can only deduct gambling losses if you itemize, and even then only up to the amount of winnings and only if it exceeds the 2% misc. deduction limit. http://www.irs.gov/taxtopics/t...
by stannius
Thu Aug 15, 2013 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Does your spouse know what you're worth?
Replies: 88
Views: 10602

Re: Does your spouse know what you're worth?

EDIT: If she's off by more than an order of magnitude either way I'll give you some kind of prize. :) I only compute our net worth quarterly, but every time I do, I share the result with her. Nevertheless, I asked my spouse and she gave a number that was a little under 10% of the true value. I was ...
by stannius
Wed May 29, 2013 10:46 pm
Forum: Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 7908

Re: Help with Health Equity HSA

As soon as I read that they were rolling out a "Best-in-Class Fund Platform" I knew there would be trouble.

What's the deal with in-service rollovers? Can I just transfer the money as soon as it hits, to an outside more favorable HSA?
by stannius
Fri Apr 23, 2010 3:54 pm
Forum: Personal Investments
Topic: Question about combining household accounts
Replies: 13
Views: 1835

FrugalInvestor wrote:
stannius wrote:Does it have to be by name or is "To the person I am married to at the time of my death" good enough?
I'm sure your spouse will appreciate that! :D
Actually I have her as the named, primary beneficiary. And she has me as an unnamed spouse.
by stannius
Fri Apr 23, 2010 1:41 pm
Forum: Personal Investments
Topic: Question about combining household accounts
Replies: 13
Views: 1835

1) You will want to designate each other as the primary beneficiary of each other's accounts thus declaring that she is your spouse (all hers Roth IRA, Trad IRA, 403b and your 401k) in the event something happens to one of you. This way you have directed ownership upon a death. Designating a second...
by stannius
Fri Apr 23, 2010 11:47 am
Forum: Personal Investments
Topic: Question about combining household accounts
Replies: 13
Views: 1835

Question about combining household accounts

My wife and I both have accounts at Vanguard. I have a 401(k) there with a balance of about $30k. My wife has three accounts: A Roth IRA, a rollover Traditional IRA, and a 403(b). Total her accounts have about $99,999 depending on the day. I am contributing to my 401(k) every biweekly paycheck and s...